A balanced home loan for borrowers who haven't had a credit problem in the last 2 years.
3.49% p.a.
3.77% p.a.
Experienced something in life that may have impacted your credit history? Then the Pepper Easy home loan might be for you
Get a quick estimate of how much you could borrow with Pepper Money.
| Loan purpose | Purchase or refinance of owner occupied or investment properties, also includes unlimited debt consolidation, cash out and payment of tax debts |
| Maximum LVR | Borrow up to 95% of the property’s value for purchases and up to 90% for refinance |
| Maximum amount | $2,500,000 up to 65% LVR |
| Minimum amount | $50,000 |
| Maximum term | 40 years (subject to expected retirement age) |
| Minimum term | 10 years |
| Interest structure | Principal & Interest OR Interest Only (Interest Only available to a maximum of 5 years on Pepper Easy PLUS only). Additional terms and conditions apply to Interest Only loans |
| Repayment frequency | Weekly, fortnightly or monthly (Interest only is monthly) |
| Extra payments | Permitted |
| Offset Sub-account | Yes - 100% interest offset sub-account is available. The terms and conditions applicable to offset sub-accounts are set out in the customer’s loan agreement |
Like to know more: Call us now 137 377. Or download a detailed product description >
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Speak to a Home Lending Specialist on 137 377. They're here to help.
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Here are some handy tips and guides to help you on your home loan journey.
Important Information
All applications are subject to Pepper's credit assessment and loan eligibility criteria. Terms, conditions, fees and charges apply. Offers may be continued, withdrawn, or changed at any time without notice.
**Pepper Money interest rate promotion is available for a limited time only for new Pepper Essential/Prime, Pepper Easy/Near Prime and Pepper Advantage/Specialist home loan applications, submitted from 12:00am AEDT 17 December 2021. Offer is not available on existing Pepper home loans. This offer is subject to change, and may be varied or withdrawn at any time.
*For a limited time only, Pepper Essential/Prime home loan variable interest rates range from 2.25-4.19%p.a. (Comparison rates range from 2.45-4.38%p.a.), Pepper Easy/Near Prime home loan variable interest rates range from 3.19-6.74%p.a. (Comparison rates range from 3.48-7.01%p.a.), and Pepper Advantage/Specialist home loan variable interest rates range from 4.29-7.49%p.a. (Comparison rates range from 4.59-7.79%p.a.). All Pepper home loan variable interest rates are correct as at 17 December 2021 and are subject to change at any time. The actual interest rate applicable will depend on the individual borrower's circumstances. This offer is subject to change, and may be varied or withdrawn at any time.
^All Comparison Rates are calculated based on a secured loan of $150,000 and a term of 25 years. WARNING This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate.